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Car Rental Excess

There is a wealth of excellent advice on here over a huge variety of subjects, 
I am a Brit living in Canada, soon to return back home to Yorkshire.
Next April, my wife and I have booked 2 weeks in Scotland and will be renting a car for13 days. Some of the 'added' insurance costs, particularly for Excess Insurance Cover are astronomic with some companies;  (over 400 quid for 13 days with one Car Hire Company).
I know this site is UK specific, but I would like a stand alone Excess Insurance Policy, but everything I have seen is specific to UK residents...
I would be grateful if anyone can recommend a Company that can provide stand alone Excess Reimbursement Cover for non-UK residents.

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